Your trusted merchant service provider & broker for Sonoma County and the Bay Area.
Real people, lower fees, and payment solutions that fit your business needs.
Taking payments made easy
Whether your business is brick-and-mortar, mobile, or online, we can help with all your merchant service needs.
Here’s how we can help you
We primarily work with small businesses in Sonoma, Marin, San Francisco, San Mateo and Alameda counties, and can help businesses across the country too.
Free quote / 2nd opinion
See what you could or should be paying each month.
Free terminal
Free terminal for any business processing over $20k a month. Free POS options also available.
3 processing options
Traditional: merchant pays all fees.
Surcharging: merchant pays some fees.
Cash Discount: merchant pays no processing fees.
PCI compliance help
Assistance completing your PCI compliance.
Next-day funding
Your card sales are deposited into your bank account the next business day.
No contract
Month-to-month, with no cancellation fees.
Local, in-person setup
We come to you to install your equipment and train your staff.
Find out what you should be paying
A free statement review takes just a few minutes of your time, and there’s no obligation.
Send us a statement
Email us one recent monthly processing statement. A photo of the paper copy works too.
We review it free
We go through it line by line and show you what you’re paying now, and what you could be paying.
You decide
No pressure and no contract. If switching makes sense, we handle the setup and stay with you after.
Local merchant services across the Bay Area
We come to you to review your rates, set up your equipment and train your staff.
Sonoma County
Petaluma, Santa Rosa, Rohnert Park, Sonoma, Healdsburg and more.
Learn more →Marin County
San Rafael, Novato, Mill Valley, Sausalito and more.
Learn more →San Francisco
Restaurants, bars, retail and pop-ups citywide.
Learn more →Bay Area
San Mateo and Alameda counties, and beyond.
Learn more →“Deciding to work with Sonoma Merchant Services was a fantastic decision. Not only have they saved us many thousands of dollars, if I ever need anything I can call Ryan at any time, and he will make me his top priority. I highly recommend their services!”Joel Padilla, OwnerMi Pueblo El Centro, Petaluma
“In all aspects of merchant services, we are very happy to be working with Sonoma Merchant Services. We are saving a lot of money each month, and the customer service is excellent. If you want to work with somebody that is trustworthy and will take care of you, work with these guys!”Shari Lancaster, Office ManagerTom’s Auto Body, Pacifica
“As a bar owner in San Francisco, I’ve had the good fortune to work with Ryan for many years as my merchant service provider. It’s been a great experience. He is very dedicated and knowledgeable and checks in regularly to make sure everything is running smoothly. I can’t recommend him and Sonoma Merchant Services highly enough!”Eileen McCarthy, OwnerMcCarthy’s Irish Bar, San Francisco
Common questions
How much does credit card processing cost?
It depends on your sales volume, the types of cards your customers use and your pricing program. The quickest way to know is a free statement review: send us one recent statement and we’ll show you exactly what you’re paying and what you could be paying.
What’s the difference between traditional pricing, surcharging and cash discount?
With traditional pricing, you pay all the processing fees. With surcharging, a small fee on credit card payments covers some of your costs. With a cash discount program, customers who pay cash get a discount and you pay no processing fees.
Is there a contract or cancellation fee?
No. Our merchant accounts are month-to-month with no cancellation fees.
How fast will I get my money?
Your card sales are deposited into your bank account the next business day.
Do you come to my business?
Yes. We meet merchants at their business throughout Sonoma, Marin and San Francisco counties and the wider Bay Area to set up equipment and train staff.
Do you only work with businesses in Sonoma County?
No. We primarily work with businesses in Sonoma, Marin, San Francisco, San Mateo and Alameda counties, and we can help businesses across the country too.
Questions? Let’s talk.
Call or email Ryan directly. We’re right here in Petaluma.
(707) 336-6700ryan@sonomamerchantservices.comBusinesses we work with
From tasting rooms to trade crews, we understand how different businesses get paid.
Taking payments made easy
Whether your business is brick-and-mortar, mobile, or online, we can help with all your merchant service needs.
A local, family-run business
Sonoma Merchant Services is based right here in Petaluma, and run by our family.
Ryan got his start in merchant services in 2017. When we moved from San Francisco to Petaluma in 2020, Sonoma Merchant Services was formed. Today we help small businesses across Sonoma County and the Bay Area take payments with confidence, and when you call, you get us.
And you’re never relying on just one person: behind Ryan is a dedicated team of support specialists and processing partners, so whether it’s a quick question or a technical issue, help is always a call away.
Say helloStart here for a free consultation
Tell us about your business and we’ll walk you through your options in plain English.
Sonoma Merchant Services
Based in Petaluma, CA. We come to you.
Mailing address:
207 S. McDowell Blvd., Petaluma, CA 94954
Ready when you are
A free quote, a second opinion, or just a question. We’re happy to help.
Email Ryan